NO FEEDBACK JUST EMAILS

I have been without a cellphone since december last year, MTN Insurance only contacts me when I log a report on hello peter. I get emailed by MTN insurance but you cannot replay to the email and they don't answer the call centre number. They want to deliver by repaired phone for the second time, but first they want my excess, which was paid the first time. I will not pay an additional excess because they could not repair it right the first time.<br> <br> Can the staff at MTN Insurance not pick up a phone and call you must you always run after them. I have been paying insurance for the last three months on a phone that I don't have and I dont think this is right.